How to Get the Best Mortgage for Buying an Investment Property

Now is a good time to invest in real estate. The property market is recovering while the demand for rentals is quite high due to the stricter requirements for home purchase financing. It is not easy to secure a mortgage for buying an investment property, but with some practical advice you will certainly score a great deal. Get the most important tips now.

Prepare a big down payment.

Since mortgage insurance is not available to property investors, lenders require down payment of at least 20% of the price of the property that you plan to purchase. This means that you need to have considerable savings or look harder for a more affordable property that will generate sufficient returns with minimal investment.

In general, with a down payment larger than 20%, you can increase your chances of getting approved for a loan and of securing lower interest rate as well. Experts recommend that you try to pay at least 25% of

It Scary Just to Think About Them: 13 Things People Facing Legal or Financial Challenges Should Know

Once a young attorney was present at a meeting where a senior attorney was trying to sort through a business matter for a client, a restaurant owner, who had successfully created a horrendous legal mess for himself. For years, he was doing his own “legal work” without any benefit of counsel and it had caught up with him. The partner slowly looked up from a stack of business documents and legal notices, and in bewilderment asked the client, “how did you get to be so old and be so stupid at the same time?” Hearing this sent shivers up the young attorney’s spine, and one could only imagine what went through the client’s mind.

Effective legal and financial professionals earn their business from experience. Listed below are 13 items from my experience that address real concerns of past and present clients. How scary it is to operate in business without having even a portion of this information, lest someone at

The Inspiration of Being a Web Design and Development Freelancer

Explore the Benefits of a web design and web development freelancer

Are you ready to experience the spirit of freedom as a freelancer? Or do you get the jitters with the feeling of a rolling stone that gathers no moss? Go ahead and explore the benefits of being a freelancer and don the mantle of being your own master. Get into the self-employed module and enjoy the position of an independent contractor. Even though being a freelancer means that one is not committed to any particular company of employer, freelancer often have to sign contracts with NDAs, verbal agreements with the freelancer being entitled to charge by the hour, day, per project basis, piece rate or a value-based pricing understanding that offers quality and value for the client.

There are many fields through which the freelancer can earn such as copywriting, content writing, proofreading, graphic design or journalism. The areas that a freelancer can make a living also includes website

Bitcoins – Will They Survive?

Around 2009 a new concept of currency was introduced. The concept seemed a little vague about the usage of this currency but two years later, Bitcoins has emerged as a fast catching trend. Proclaimed as a decentralized digital currency, more people and business have started using Bitcoins. Though the currency is still in its experimental stage regular updating and frequent tweaking is done to improve it in every way possible. Unlike other banking networks Bitcoins are not controlled by anyone. The network has a set of protocols protected by cryptography. It’s a new payment system which has no central authority other than the cryptography (open source software working with the laws of mathematics) which handles the creation and transaction, making it impossible to cheat around the system. The Bitcoins share a public ledger (block chain ledger) where every transaction is recorded making it a prominent triple entry bookkeeping system and a transparent recorder. Using the peer to peer system and

How To Secure Your Family’s Future

You do only have one family and it is your responsibility to secure their financial future. The financial future of your family is dependent on what preparation you make for them in terms of life insurance, as well as in other ways. They would be well looked after if you should suddenly die, become disabled, or lose your job.

Steps to Take to Secure their Future

There are a few steps that you could do to help make this happen.

  1. You have to set in place your long-term and short-term financial goals.
    • The question you do need to ask yourself is whether you do have a financial plan in place, and that includes life insurance.
    • If not, it is important that you look at what your expenditure is at present.
    • Make a list of all your income – that is, all the moneys that are coming in, but especially the regular income.
    • Make a list of all your expenditure –